| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | BLUE CROSS BLUE SHIELD OF FLORIDA | $32K | — | $32K | 3.90% |
| D&C BENEFIT SOLUTIONS LLC3 | 3260 WINDMILL CIRCLE CANTONMENT, FL 32533 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 8.79% |
| SAPP MATTHEW3 | 4917 LANDMARK LANE PACE, FL 32571 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 6.55% |
| BLUEWATER INS OF PENSACOLA LLC3 | 6171 PENSACOLA BLVD PENSACOLA, FL 32505 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 5.32% |
| SAPP CECILIA DAWN3 Filed as: SAPP CECILIA D | 1117 N 9TH AVENUE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 4.84% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | FLORIDA COMBINED LIFE | $3K | — | $3K | 10.68% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 19.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | STE 1950, 200 GALLERIA PARKWAY ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 15.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 18.56% |
| CHERYL E GREEN3 | PO BOX 3282 BRENTWOOD, TN 37024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $303 | — | $303 | 3.44% |
| MICHAEL A DUARTE3 | 515 DULL STREET DICKSON, TN 37055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | — | $44 | 0.50% |
| WILLIAM RICHARD KYZER3 | 8211 GORDON LANE HERMITAGE, TN 37076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.15% |
| CHARLES A ANDREWS3 | PO BOX 3282 BRENTWOOD, TN 37024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.15% |
| DON FENNELL3 | 13659 QUEENS HARBOR BLVD N JACKSONVILLE, FL 32225 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.12% |
| DEMOS GINAKES3 | 1020 W INTL SPWY BLVD DAYTONA BEACH, FL 32114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.07% |
| MARK CHRISTOPHER HOLLAND3 | PO BOX 38366 GERMANTOWN, TN 38183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.05% |
| STEVE HOLLEMAN3 | 400 E CHATHAM ST CARY, NC 27511 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.02% |
| SAPP CECILIA DAWN3 Filed as: SAPP CECILIA D | 1117 N 9TH AVENUE PENSACOLA, FL 32501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $22 | — | $22 | 4.77% |
| D&C BENEFIT SOLUTIONS LLC3 | 3260 WINDMILL CIRCLE CANTONMENT, FL 32533 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16 | — | $16 | 3.47% |
| BLUEWATER INS OF PENSACOLA LLC3 | 6171 PENSACOLA BLVD PENSACOLA, FL 32505 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 1.08% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 106 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 56 | $820K |
| Dental | FLORIDA COMBINED LIFE | 69 | $29K |
| Vision | BLUE CROSS BLUE SHIELD OF FLORIDA | 56 | $820K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 107 | $34K |
| Long-term disability(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 111 | $54K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 56 | $820K |
| Other(5 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 111 | $904K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 111 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.